To: (1) Modify the manner in which coinsurance, copayment and deductible payments are calculated, and provide that any failure to calculate such payments in the specified manner shall constitute an unfair trade practice in violation of the Connecticut Unfair Trade Practices Act; (2) prohibit health carriers from entering into or amending contracts that, by their terms, would require them to violate the fiduciary duties that they owe to their insureds; and (3) modify the manner in which managed care plans calculate deductible and coinsurance payments.